Ukuxhamla ngemali ngemali

Kukho ubunzima bezezimali kwaye akucaci ukuba ulindele ntoni emva koko, usebenzise inhlanhla-ntengiso kunye nemali, eya kukuxelela xa ibha yomnyama iphelile. Kukho iindlela ezininzi ezahlukeneyo ezineempawu kunye nemithetho yazo. Ukuqala ukuqagela kuyimfuneko kuphela xa unethemba elipheleleyo ekufumaneni umphumo wenyaniso, kunye nokuzonwabisa ongazifanele ukuzama ukuxela kwangaphambili.

Ukuxhamla ngamakhadi

Ngenxa yesakhiwo esilula siya kukwazi ukufumana malunga neemeko zemali kwixa elizayo. Kulobuvumo, kufuneka uthabathe amakhadi angama-36 kwaye udibanise kakuhle. Kubalulekile ukuba ungayisebenzisi ngaphambili kwimidlalo, kuba ukuqiqa ukuba akunjalo. Ukubikezela ikusasa lakho kukulungele ukuhlala wedwa kunye nokuthula. Ingxenye yendawo yokuxuba idlulisela isandla sakho kuwe. Yenza amakhadi angama-9 phambi kwakho, ubale i-suit kwaye uqhubekele ekuchazeni ukuxoxwa kwenzuzo kunye nobutyebi:

• uninzi lwazo zonke iiklabhu - yonke into iya kuhamba kakuhle kwaye imeko yezemali iya kuphucula;
• ukuphakama kwezimali;
• ukuba iimeko ezininzi zombala obomvu, ngoko kwixesha elizayo iimeko aziyi kutshintsha.

Kubalulekile ukuba ungasebenzisi ubuqilima ngokuphindaphindiweyo, ixesha elifanelekileyo linye ngenyanga. Ngaphandle koko, amakhadi ayayeka ukuthetha inyaniso.

Ukuxoxela inhlanhla

Le ntsikelelo inokuthiwa ngumhlobo wesithethe, into eyenzileyo kwinyanga okanye inyanga. Kubalulekile ukulungiselela imali enye kwihlelo ngalinye. Bafanele bahlambuluke ngokufanelekileyo, ukuze bakhanye, kwaye ke, baxoxwe kwi-ngxowa encinci yesikhumba senyama, okufuneka uyenze izandla zakho. Beka isikhokhelo phantsi komlambo ubusuku. Buyela ekuvumiseni kuyimfuneko ngosuku olulandelayo kusihlwa. Beka ikhandlela elibomvu etafileni kunye nesitya esityiwe ne-cereal. Thatha isikhwama esandleni sakho, ugubungele kwaye ubuze umbuzo onomdla malunga nendawo yezinto eziphathekayo. Beka iimali zemali kwisitya kwaye udibanise yonke into. Vala amehlo akho uze ususe isandla esithandathu kwisitya, ubeke yonke into phambi kwakho. Emva koko, unokuqala ukutolika ubuxoki ngemali:

1. Iingqekembe zeenkonzo ezincinci ziyisiqinisekiso sokuba kufuneka ulandelele imali yakho.
2. Ukuba iimali zemali eziphakathi ziyabanjwa, kuthetha ukuba umntu oqikeleleyo uya kuchitha imali encinci yokuzonwabisa.
3. Iimali zeenkonzo eziphezulu - lo luphawu oluhle, olubonisa ukuba unokulindela ukufumana imali eninzi.
4. Inkcitho yesithunzi esikhulu sithetha ukuba kungekudala imeko yezemali iya kwanda kakhulu.